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Mortgage Broker Fresno CA

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Are truly you seeking an Effective Local Mortgage Broker in Fresno CA

Happy Investments Inc has been a Mortgage Broker and finance company serving California since 2005. Mortgage Broker Fresno CA focusing on both residential and commercial Mortgage loans. Our dedicated team invites 20 years of combined real estate experience in the mortgage business. Call us Today at 559-785-2050. Get a FREE Quote.

Our Organization has many Mortgage plans that provide very competitive interest rates, low down payment requirements, and flexible underwriting standards, Each of these features is created to make your Mortgage Loan more incredibly affordable.

Our concern is to ensure great rates and low fees.
we walk you through the overall mortgage process.
Close in time in the absence of surprises.
We make sure that you understand exactly what we are handling and why.
We help you acquire the Best Mortgage program. Mortgage Broker

Mortgage Broker Fresno CA Our specialization is providing financing to people with difficult financial Situations. Our ultimate goal is to create enduring relationships with each of my clients so that We may continue offering impressive Mortgage service for a long period of time to come. Hard Money Brokers

Crafting Mortgage Success Stories – Your Fresno, CA Mortgage Advocates!

Let us craft your mortgage success story as your dedicated advocates in Fresno, CA. With a passion for turning challenges into opportunities, we’re committed to securing the best solutions for your unique needs. Our in-depth understanding of the real estate market and financing intricacies allows us to guide you toward informed decisions. Whether you’re looking for competitive rates or swift approvals, our team is your driving force. Embrace your success story by dialing Tel 559-785-2050 or completing our efficient online application – your journey towards property achievement begins now.

Contact Us :

Happy Investments, Inc. Fresno CA
611 W.Dakota, Ste. # C2,
Fresno, CA 93705
Phone: 559-785-2050
Website: https://www.happyinvestmentsinc.com/mortgage-broker-fresno-ca/

Choose reliable Mortgage Broker Loan Programs in Fresno CA

We specialize in the following Mortgage Loans:

Jumbo Home Lending
Reverse Mortgage Loans
Home Purchase Loans
Home Refinance Loans
Home Equity Lending
Cash Out Home Lending
FHA Loans/ VA Lending
Hard Money Finance
Home Equity Finance
Second 2nd Mortgage Lending
Commercial Loans
Bank Statement Home Finance
Home Improvement
First Time Home Buyers
Vacant Lands Lending
Transactional Funding
Rehab/Construction & Investment Lending
And Much, Much More!

Regardless of whether you’re a very first time home buyer or an Experience Investors. Look no more Call us Today To Become A Free Quote. Call 559-785-2050

Mortgage Broker Fresno CA By managing a vast network of banking relationships, we have availability to among the most favorable terms available for each and every specific loan scenario. Our network consists of the largest financial institutions, smaller regional banks, portfolio lending institutions and private loan sources.

Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service – putting the people we serve first. Our goal is to very carefully guide you through the home loan process so that you can confidently select the most effective mortgage for you and your family from the various mortgage options that are available today. After you decide the loan that is best for you, we will work continually on your behalf to help you achieve your dream of homeownership. To Get a Free Quote. Click Here

Make use of our expertise in the Mortgage Loaning industry by applying online today. You will discover that the skill, professionalism, and factor to consider we provide for each of our clients makes getting your loan a worthwhile endeavor. Hard Money Brokers

Contact us today 559-785-2050 for a free, individualized consultation. You can also apply online. It is fast, secure, and easy

Our service firms are skilled in the areas of any form of Property Mortgage Funding. The more effective we can get your to fill online form, the quicker we can get you approved and funded. Don’t delay– do the good thing and call our Real Estate Mortgage loans organization today.

Our company Also Offer in Fresno CA:

Hard Money Lending
Home Equity Loans
Second 2nd Mortgage Finance
Commercial Residential Mortgage Funding
Bank Statement Home Loans Self Employed
Home Buyer Down Payment Assistance Financing Program
Home Improvement Renovation Refinance Lending Provider First Time Home Buyers FHA Mortgage Loans Lender Vacant Lands Lots Loans Financing
Rehab Construction Fix Flip Loans Finances

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ABOUT Fresno, CA

Fresno is a city in and the county seat of Fresno County, California, United States. It covers about 112 square miles in the center of the San Joaquin Valley, the southern portion of California’s Central Valley.

Named for the abundant ash trees lining the San Joaquin River, Fresno was founded in 1872 as a railway station of the Central Pacific Railroad before it was incorporated in 1885. The city has since become an economic hub of Fresno County and the San Joaquin Valley, with much of the surrounding areas in the Metropolitan Fresno region predominantly tied to large-scale agricultural production.

FAQ

When refinancing my mortgage, can I get extra money at closing so I can pay off other debt in Fresno CA?

Yes. Assuming you have sufficient equity, a cash-out refinance enables you to pay off your existing mortgage(s) and may also allow you to take out some of your home equity in a lump-sum cash payment at closing.

What Is a Hard Money Loan in Fresno CA?

A hard money loan is a type of loan that is secured by real property. Hard money loans are considered loans of “last resort” or short-term bridge loans. These loans are primarily used in real estate transactions, with the lender generally being individuals or companies and not banks.

How a Hard Money Loan Works in Fresno CA?

Hard money loans have terms based mainly on the value of the property being used as collateral, not on the creditworthiness of the borrower. Since traditional lenders, such as banks, do not make hard money loans, hard money lenders are often private individuals or companies that see value in this type of potentially risky venture.

Hard money loans may be sought by property flippers who plan to renovate and resell the real estate that is used as collateral for the financing—often within one year, if not sooner. The higher cost of a hard money loan is offset by the fact that the borrower intends to pay off the loan relatively quickly—most hard money loans are for one to three years—and some of the other advantages they offer.

How Do I Qualify for a Hard Money Loan in Fresno CA?

Qualifying for a hard money loan is going to be based on having a 30% down payment if you are purchasing a home. It will be based on not going over 65% loan to value if you are refinancing a home. You will need very little in the way of paperwork. No income verification is needed and your FICO score won’t matter.
It really all boils down to equity. If you’re putting up 30%, hard money lenders feel that you have enough skin in the game to take the loan seriously. By the same token, 65% loan to value on a refinance allows the hard money lender to stay within their lending comfort zone. Lenders also typically like to know what your exit strategy is. In other words, how do you plan on paying back the lender at the end of your loan term. Most typically the answer is refinancing, selling or paying back the loan from income generated through work or other investments.

Can I Refinance a Hard Money Loan in Fresno CA?

Just like any other loan you can refinance a hard money loan as long as you have enough equity. Since hard money loans are equity based, it is critical the property is worth significantly more than what you are looking to borrow. We have multiple mortgage financing hard money options. Some will take the loan to value up higher than others. It is always best to speak with one of our consultants In order to decide what is best for you.